Household reported a very small increase in fourth quarter VISA and MasterCard receivables from $17,303,700,000 for the third quarter to $17,395,200,000 for 4Q/01. For the full year, Household’s bank credit card outstandings were down 1.1%. Meanwhile HH’s private label credit card portfolio was up 15.1% for the year, to end at $13,813,900,000. During the quarter, the company purchased a private label credit card portfolio totaling approximately $725 million and the company sold approximately $1 billion in MasterCard/VISA receivables in the United Kingdom to Centrica, its former partner in the ‘Goldfish Card’ program, as part of a settlement agreement. Bank credit card charge-offs dipped slightly to 6.69% for the fourth quarter compared to 6.75% in the previous quarter. Delinquency (60+ day) was up significantly from 3.91% in the third quarter to 4.10% for 4Q/01. Charge offs within the private label portfolio were 5.40% and delinquency was 5.48%. For complete details on Household’s 4Q/01 performance visit CardData ([www.carddata.com]).